Wendy Jane Henson

When purchasing any kind of insurance product, the first step is always an objective assessment of the property you want to insure. Realistically, then, before insuring your jewelry, you must consider your needs.

If you or the people who live with you get hurt at home, generally your personal medical insurance will cover your treatment. But what if you have company?

"Reality" television, a phenomenon that in recent years has dominated TV broadcasting, has about as much to do with reality as bread has to do with butter. They go together, but one should never be mistaken for the other.

In the publishing world and in Hollywood, there is a long standing rule: If you want to sell a book or a movie, create a controversy. Conspiracy theories tend to generate a first rate market.

It's smart to keep an eye on your hot water heater and replace it before it dies. It's even smarter to take steps that can help you avoid padded installation fees.

The main problem for many novice screenwriters is that they are accustomed to narrative prose in which authors must describe everything. But screenplays are drama. Dramatists need to avoid description and to write action.

Many beginning screenwriters have never written anything, let alone a screenplay. Many know nothing about show business except that they love movies. They try to learn "the rules," hoping for a road map that will guide them through the maze.

Homeowners need to know their security issues. They also need to understand the damage they can suffer if they ignore those issues. It is true that little deters a truly dedicated criminal. But certainly we should try our best to discourage them.

The name of the game is screenplay. New screenwriters are budding playwrights, not novelists. Novels belong to the art of literature. Although plays may be literary, drama is a separate art with its own requirements and goals.

Training in the martial arts, such as karate, can help you and your children learn important lessons about each other and about handling life's problems.

The pursuit of happiness may be an unalienable right, but happiness itself is not. Nor is happiness a commodity people can acquire with a trip to the mall, the doctor, or the refrigerator.

Liability coverage appears in nearly all insurance policies. Insured parties, however, can have a hard time understanding what the term "liability" means and to whom it refers.

Many people never file an insurance claim, and they are grateful for it. Should the task become necessary, it can be daunting, and it is normal to feel confused and nervous. Here are some steps that will help move your claim along.